Prime Lending Rate

Last Updated January 15, 2026

1. Quantitative Disclosure
(effective % per year)

Data Period Dec 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
Corporate Retail Medium Small Micro
Base Cost of Funds for Credit (%) 3.29% 3.29% 3.29% 3.29% 3.29% 3.29% 3.29%
Overhead Costs (%) 2.32% 1.94% 2.64% 3.52% 6.20% 4.50% 3.52%
Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
Prime Lending Rate (SBDK) (%)
(Base Cost+Overhead+Margin)		 6.92% 7.49% 7.84% 9.16% 11.91% 8.64% 8.66%

2. Qualitative Disclosure

Category Definition Indicator / Criteria
Corporate Credit provided to Business Entities or companies that meet the Corporate segment criteria at Bank Jatim Limit > Rp 50 Billion
Retail Credit provided to Business Entities or companies that are not included in the corporate segment classification in Bank Jatim's segmentation provisions, but are not included in the medium, small, and micro segments. Limit > Rp 500 Million up to 50 Billion


Notes :

1. The attached Prime Lending Rate (SBDK) information refers to OJK Regulation No. 13 of 2024, using the September 2024 Report database and considering market interest rate developments. SBDK may undergo changes adjusted to OJK Regulation No. 13/2024,

2. SBDK is determined by the Bank based on various factors, including the reference interest rate set by the authorized authority, the base cost of funds for credit, overhead costs, profit margin, and economic condition developments,

3. SBDK does not yet include the risk premium estimation component, the amount of which depends on the Bank's assessment of risk for each debtor or group of debtors. Thus, the actual Lending Rate (SBK) charged to customers may differ from the SBDK calculation.

4. SBDK excludes credit distribution with special rates, promotional rates, fixed rates for a certain period, interest rates for employees for welfare purposes, and similar schemes,

5. Applicable SBDK information can be viewed at any time through publications on the Bank's website and/or at every Bank office.

  • Historical SBDK December 2025

    • 1. Quantitative Disclosure

    • Data Period Dec 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.29% 3.29% 3.29% 3.29% 3.29% 3.29% 3.29%
      Overhead Costs (%) 2.32% 1.94% 2.64% 3.52% 6.20% 4.50% 3.52%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 6.92% 7.49% 7.84% 9.16% 11.91% 8.64% 8.66%
  • Historical SBDK November 2025

    • 1. Quantitative Disclosure

    • Data Period Nov 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.36% 3.36% 3.36% 3.36% 3.36% 3.36% 3.36%
      Overhead Costs (%) 2.47% 2.05% 2.80% 3.73% 6.57% 4.78% 3.73%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 7.14% 7.67% 8.07% 9.44% 12.35% 8.99% 8.94%
  • Historical SBDK October 2025

    • 1. Quantitative Disclosure

    • Data Period Oct 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.37% 3.37% 3.37% 3.37% 3.37% 3.37% 3.37%
      Overhead Costs (%) 2.47% 2.06% 2.81% 3.75% 6.60% 4.80% 3.75%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 7.15% 7.69% 8.09% 9.47% 12.39% 9.02% 8.97%
  • Historical SBDK September 2025

    • 1. Quantitative Disclosure

    • Data Period Sep 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.44% 3.44% 3.44% 3.44% 3.44% 3.44% 3.44%
      Overhead Costs (%) 2.43% 2.02% 2.76% 3.68% 6.47% 4.70% 3.68%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 7.18% 7.72% 8.11% 9.47% 12.33% 8.99% 8.97%
  • Historical SBDK August 2025

    • 1. Quantitative Disclosure

    • Data Period Aug 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.44% 3.44% 3.44% 3.44% 3.44% 3.44% 3.44%
      Overhead Costs (%) 2.43% 2.02% 2.76% 3.67% 6.48% 4.71% 3.67%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 7.18% 7.72% 8.11% 9.46% 12.34% 9.00% 8.96%
  • Historical SBDK July 2025

    • 1. Quantitative Disclosure

    • Data Period Jul 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.35% 3.35% 3.35% 3.35% 3.35% 3.35% 3.35%
      Overhead Costs (%) 2.44% 2.03% 2.77% 3.68% 6.50% 4.75% 3.68%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 7.10% 7.64% 8.03% 9.38% 12.27% 8.95% 8.88%
  • Historical SBDK June 2025

    • 1. Quantitative Disclosure

    • Data Period June 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.37% 3.37% 3.37% 3.37% 3.37% 3.37% 3.37%
      Overhead Costs (%) 2.38% 2.00% 2.71% 3.61% 6.35% 4.62% 3.61%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 7.06% 7.63% 7.99% 9.33% 12.14% 8.84% 8.83%
  • Historical SBDK May 2025

    • 1. Quantitative Disclosure

    • Data Period May 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.38% 3.38% 3.38% 3.38% 3.38% 3.38% 3.38%
      Overhead Costs (%) 2.35% 1.96% 2.68% 3.56% 6.28% 4.56% 3.56%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 7.04% 7.60% 7.97% 9.29% 12.08% 8.79% 8.79%
  • Historical SBDK April 2025

    • 1. Quantitative Disclosure

    • Data Period April 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.38% 3.38% 3.38% 3.38% 3.38% 3.38% 3.38%
      Overhead Costs (%) 2.35% 1.96% 2.68% 3.56% 6.28% 4.56% 3.56%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 7.04% 7.60% 7.97% 9.29% 12.08% 8.79% 8.79%
  • Historical SBDK March 2025

    • 1. Quantitative Disclosure

    • Data Period March 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.44% 3.44% 3.44% 3.44% 3.44% 3.44% 3.44%
      Overhead Costs (%) 2.31% 1.94% 2.62% 3.50% 6.15% 4.48% 3.50%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%)
      (Base Cost+Overhead+Margin)      		 7.06% 7.64% 7.97% 9.29% 12.01% 8.77% 8.79%
  • Historical SBDK February 2025

    • 1. Quantitative Disclosure

    • Data Period Feb 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40%
      Overhead Costs (%) 2.48% 2.07% 2.82% 3.77% 6.62% 4.83% 3.77%
      Profit Margin (%) 1.31% 2.26% 1.91% 2.35% 2.42% 0.85% 1.85%
      Prime Lending Rate (SBDK) (%) 7.19% 7.73% 8.13% 9.52% 12.44% 9.08% 9.02%
  • Historical SBDK January 2025

    • 1. Quantitative Disclosure

    • Data Period Dec 2025 Non-MSME Credit MSME Credit Mortgage (KPR/KPA) Non-Mortgage
      Corporate Retail Medium Small Micro
      Base Cost of Funds for Credit (%) 3.66% 3.66% 3.66% 3.66% 3.66% 3.66% 3.66%
      Overhead Costs (%) 2.46% 2.05% 2.79% 3.72% 6.55% 4.76% 3.72%
      Profit Margin (%) 1.82% 3.12% 2.64% 3.25% 3.35% 1.18% 2.56%
      Prime Lending Rate (SBDK) (%) 7.94% 8.83% 9.09% 10.63% 13.56% 9.60% 9.94%